Jiangxi Bank Co., Ltd. Class H (HK:1916)
:1916
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Jiangxi Bank Co., Ltd. Class H
(1916)
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Select Model
Rating:52Neutral
Price Target:
HK$0.67
▼(-0.45% Downside)
Action:ReiteratedDate:03/30/26
The score is held back primarily by weaker financial quality (margin compression, higher leverage, and historically volatile cash flows) and bearish technicals (below major moving averages with negative MACD). These are partially offset by a very cheap valuation (low P/E) and a high dividend yield.
Positive Factors
Diversified revenue mix
Jiangxi Bank's business model spans net interest income, fee/commission income, trading and other operating income. This multi-channel revenue base supports resilience through cycles, letting the bank offset pressure in one area with others and preserve core earnings over the medium term.
Negative Factors
Margin compression
A sharp drop in net margin to around 5% from ~25% indicates profitability deterioration that weakens internal capital generation and returns. If margins remain compressed, the bank will need higher volumes or riskier lending to restore profits, increasing structural earnings risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified revenue mix
Jiangxi Bank's business model spans net interest income, fee/commission income, trading and other operating income. This multi-channel revenue base supports resilience through cycles, letting the bank offset pressure in one area with others and preserve core earnings over the medium term.
Read all positive factors
Jiangxi Bank Co., Ltd. Class H (1916) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$4.10B
Dividend Yield6.21%
Average Volume (3M)643.32K
Price to Earnings (P/E)3.9
Beta (1Y)0.93
Revenue Growth-8.55%
EPS Growth539.20%
CountryHK
Employees5,406
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)<0.01
Shares Outstanding1,345,500,000
10 Day Avg. Volume707,450
30 Day Avg. Volume643,316
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)0.09
Price to Sales (P/S)0.19
P/FCF Ratio0.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Jiangxi Bank Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Jiangxi Bank Co., Ltd. provides corporate and retail banking services in the People's Republic of China. The company operates through Corporate Banking, Retail Banking and Credit card, and Financial Markets Business segments. The Corporate Banking...
How the Company Makes Money
Jiangxi Bank primarily earns revenue through: (1) Net interest income: it collects interest on loans and other interest-earning assets (e.g., corporate and retail loans and certain investment/treasury assets) and pays interest on funding sources s...
Jiangxi Bank Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
34
Negative
Cash Flow
41
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 18.80B | 4.18B | 4.63B | 5.32B | 6.14B |
| Gross Profit | 4.01B | 4.18B | 4.63B | 5.32B | 6.14B |
| EBITDA | 1.09B | 0.00 | 0.00 | 2.15B | 3.02B |
| Net Income | 939.53M | 1.06B | 1.04B | 1.55B | 2.07B |
Balance Sheet | |||||
| Total Assets | 589.61B | 573.63B | 552.35B | 515.57B | 508.56B |
| Cash, Cash Equivalents and Short-Term Investments | 25.95B | 8.66B | 13.04B | 14.71B | 22.58B |
| Total Debt | 146.08B | 6.13B | 47.45B | 57.35B | 6.04B |
| Total Liabilities | 549.30B | 525.05B | 504.81B | 468.76B | 466.93B |
| Stockholders Equity | 39.48B | 47.78B | 46.78B | 46.05B | 40.92B |
Cash Flow | |||||
| Free Cash Flow | 7.16B | -29.43B | -2.94B | -34.73B | -41.98B |
| Operating Cash Flow | 7.34B | -29.29B | -2.77B | -34.61B | -41.59B |
| Investing Cash Flow | -16.31B | -1.16B | 5.63B | 19.38B | 11.87B |
| Financing Cash Flow | 12.90B | 26.06B | -8.88B | 8.94B | 32.22B |
Jiangxi Bank Co., Ltd. Class H Technical Analysis
Neutral
0.67
Price Trends
0.69
Negative
0.69
Negative
0.72
Negative
Market Momentum
>-0.01
Negative
50.68
Neutral
73.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1916, the sentiment is Neutral. The current price of 0.67 is below the 20-day moving average (MA) of 0.68, below the 50-day MA of 0.69, and below the 200-day MA of 0.72, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 50.68 is Neutral, neither overbought nor oversold. The STOCH value of 73.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1916.
Jiangxi Bank Co., Ltd. Class H Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | HK$8.06B | 1.84 | 6.28% | 6.22% | -1.76% | -11.39% | |
63 Neutral | HK$5.65B | 2.11 | 9.15% | 5.84% | -3.25% | 22.96% | |
58 Neutral | HK$5.12B | 5.77 | 1.71% | ― | -9.56% | -7.51% | |
52 Neutral | HK$4.10B | 3.86 | 2.08% | 6.21% | -8.55% | 539.20% | |
51 Neutral | HK$3.79B | 3.10 | 1.70% | ― | 0.06% | 43.86% |
* Financial Sector Average
HK:1916
Jiangxi Bank Co., Ltd. Class H
0.68
0.04
6.25%
HK:6138
Harbin Bank Co., Ltd. Class H
0.35
0.06
23.21%
HK:1983
Luzhou Bank Co., Ltd. Class H
2.08
-0.13
-5.88%
HK:2139
Bank of Gansu Co., Ltd. Class H
0.34
0.12
54.55%
HK:2558
Jinshang Bank Co., Ltd. Class H
1.38
0.05
3.76%
Jiangxi Bank Co., Ltd. Class H Corporate Events
Jiangxi Bank Releases Audited 2025 Annual Results and Confirms Board Line-Up
Mar 27, 2026
Jiangxi Bank Co., Ltd., a PRC-incorporated joint stock commercial bank listed in Hong Kong, announced its audited consolidated annual results for the year ended December 31, 2025. The bank, which operates under mainland regulation and is not licen...
Jiangxi Bank Sets Final 2025 Dividend and Outlines Tax Terms for H-Shareholders
Mar 27, 2026
Jiangxi Bank Co., Ltd., a Hong Kong-listed regional commercial bank from Jiangxi Province, China, has announced a final cash dividend of RMB 0.34 per 10 shares for the financial year ended 31 December 2025. The dividend for H-share investors will ...
Jiangxi Bank Sets March 27 Board Meeting to Approve 2025 Results and Discuss Dividend
Mar 17, 2026
Jiangxi Bank Co., Ltd., a joint stock commercial bank based in Nanchang and listed in Hong Kong, operates through its subsidiaries to offer banking and financial services in mainland China, while remaining outside the regulatory remit of the Hong ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.